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VNDIRECT Securities Joint Stock Company (VND) Fair Value & Analysis

Financial Services · VN · Market cap 25.4T VND

VS VNDIRECT Securities Joint Stock Company VND · VN
Price16,650 VND
Fair Value22,581 VND
Upside+35.6%
Quality36/100
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Expensive Growth
Highly profitable · 37.8% net margin
Low debt · negative free cash flow
Ranks above peers (8/13)
Wide moat 67/100
Evidence: High Range 16,936 VND – 28,227 VND Share as image

Fair value as of: Jul 16, 2026

From 9 valuation models · updated 25 days ago

Share price −11.0% over the past month.

Below-average quality, screening 36% undervalued on our models.

What matters now

  • The large discount to fair value meets weak quality (36/100). That raises the risk this is a value trap rather than a bargain.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

27,842 VND 3,365 VND Fair Value 22,581 VND Nov 2020 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.

How to read this chart

60‑month range 3,365 VND – 27,842 VND · fair‑value band 16,936 VND – 28,227 VND · the 16,650 VND price screens below the 22,581 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.

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Analysis

VNDIRECT Securities Joint Stock Company (VND) currently trades at 16,650 VND, while our model-based Fair Value estimate is 22,581 VND, implying the stock looks roughly 35.6% undervalued today. The Quality Score stands at 36/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, VNDIRECT Securities Joint Stock Company generated revenue of 5.8T VND at a net margin of 37.8%. Revenue grew 40.6% year over year. It earns a return on equity of 10.5%. Net debt stands at 27.1T VND. Fundamentals as of Jul 16, 2026

Our scenario range runs from 16,936 VND (bear case) to 28,227 VND (bull case); at 16,650 VND, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 37% below its 52-week high and 20% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 11% fair-value upside, at 36%, VND screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model BearBaseBull Evidence
Highest evidence
Residual Income 12,170 VND 13,536 VND 22,321 VND 76
Gordon GGM 4,810 VND 10,500 VND 17,667 VND 70
P/E Multiple 12,951 VND 17,268 VND 21,585 VND 63
All 9 models by family
DCF Models
Owner Earnings 20,514 VND 44,540 VND 93,914 VND 31
Earnings-Based
Graham-Dodd 9,033 VND 55,406 VND 77,306 VND 54
Lynch FV 15,881 VND 22,688 VND 29,494 VND 50
Dividend Discount
Gordon GGM 4,810 VND 10,500 VND 17,667 VND 70
DDM Multi-Stage 4,810 VND 8,601 VND 10,943 VND 61
Multiples
P/E Multiple 12,951 VND 17,268 VND 21,585 VND 63
P/B Multiple 14,418 VND 19,224 VND 24,029 VND 55
Asset-Based
NCAV (Graham) 6,866 VND 9,200 VND 13,731 VND 50
Economic Profit
Residual Income 12,170 VND 13,536 VND 22,321 VND 76

Widest divergence: DCF Models (44,540 VND) versus Dividend Discount (8,601 VND). Highest evidence: Residual Income (76).

Key figures & financial health

Revenue (TTM) 5.8T VND
Revenue growth (YoY) +40.6%
Net margin 37.8%
Return on equity 10.5%
Free cash flow −4.5T VND FY2025
P/E ratio 11.6
More key figures
Operating margin 79.4%
EPS (TTM) 1,435 VND
EPS growth (YoY) +42.6%
Net debt 27.1T VND FY2025

Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 36/100

Of which business quality 32 · Market factors (momentum, volatility) 34

Profitability 38
Margins and returns on capital today
Quality Growth 48
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 28
Balance sheet, leverage, solvency risk
Investment 62
Disciplined investing over empire-building
Low Volatility 52
Calm price path (market factor)
Momentum 34
Price trend over the last 3–12 months (market factor)
52W Momentum 14
Distance to the 52-week high (market factor)
Net Issuance 40
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

VNDIRECT Securities Joint Stock Company provides various investment products in Vietnam. The company offers investment services, including asset management and investment advisory, and securities trading and brokerage services, as well as margin products; and asset portfolio products comprising DSAVE for defense assets, DINVEST for life-long assets, and …

Full company description

VNDIRECT Securities Joint Stock Company provides various investment products in Vietnam. The company offers investment services, including asset management and investment advisory, and securities trading and brokerage services, as well as margin products; and asset portfolio products comprising DSAVE for defense assets, DINVEST for life-long assets, and DTRADE for stock investment. It also provides investment institutions services, such as securities, market creation, investment analysis, and debt market services, as well as relation between business and investors; and capital market, debt capital market, merger and acquisition consulting, and investor relation and corporate financial consulting services. In addition, the company offers D-BOARD, an online trading platform for stocks, bonds, fund certificates, and various types of financial assets; STOCKBOOK, an information portal that connects the investor community with an information platform and the in-depth analysis of stocks, bonds, and various types of investment assets, as well as investment analysis reports from experts and investment communities; and DWEALTH Academy. Further, the company provides PROTRADE, a trading platform for professional investors; iVND, a personal property management platform; Bankgate, an online payment platform; and PROTRADE Trial, a virtual derivative transaction platform. VNDIRECT Securities Joint Stock Company was incorporated in 2006 and is headquartered in Hanoi, Vietnam.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

VNDIRECT Securities Joint Stock Company reported revenue of 3.7T VND in FY2025 versus 2.9T VND in FY2021, a compound +6.3%/yr. Reported net income was 2.0T VND in FY2025, compounding −4.0%/yr from FY2021.

Growth Quality 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
3.7T VND
Latest YoY
+27.7%
Avg. growth/yr (3Y)
+4.8%
Avg. growth/yr (5Y)
+23.4%
Avg. growth/yr (6Y)
+24.6%
Revenue +6.3%/yr
FY21 2.9T VND
FY22 3.2T VND
FY23 3.7T VND
FY24 2.9T VND
FY25 3.7T VND
Net income −4.0%/yr
FY21 2.4T VND
FY22 1.2T VND
FY23 2.0T VND
FY24 1.7T VND
FY25 2.0T VND

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Cite: Fair Value Calculator (2026). "VNDIRECT Securities Joint Stock Company Fair Value". https://www.fairvalue-calculator.com/stock/VND

Peer Group

Capital Markets · 425 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 37 · Bottom 25%
Fair Value upside +36% · Above median
Return on equity (TTM) 11% · Above median
Return on assets 4% · Above median
Net margin (TTM) 38% · Top 25%
Operating margin (TTM) 79% · Top 25%
Revenue growth 41% · Above median
Dividend yield (TTM) 0.0% · Bottom 25%
Debt / equity 0.10× · Lower than median

Valuation Multiples vs Capital Markets median · lower = cheaper

P/E (TTM) 11.6× · Cheaper than median
P/B 1.22× · Pricier than median
P/S (TTM) 4.40× · Pricier than median
EV/EBITDA 10.2× · Pricier than median

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 81 · sector 9
FUTURE 100 · sector 96
PAST 42 · sector 30
HEALTH 95 · sector 93
DIVIDEND 0 · sector 36

Insider activity: 35/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Capital Markets stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).

Stock Price Fair Value vs Fair Value
Huatai Securities Co HTSC $0.2700 $0.0400 -85%
Mirae Asset Securities Co 006800 38,750 KRW 31,645 KRW -18%
Meritz Financial Group 138040 117,000 KRW 87,706 KRW -25%
Korea Investment Holdings 071050 239,000 KRW 318,825 KRW +33%
NH Investment & Securities Co 005940 31,000 KRW 37,133 KRW +20%
Samsung Securities Co 016360 107,700 KRW 126,487 KRW +17%
Motilal Oswal Financial Services Limited MOTILALOFS ₹967.00 ₹299.65 -69%
Kiwoom Securities Co 039490 322,000 KRW 358,091 KRW +11%
SSI Securities Corporation SSI 24,250 VND 28,021 VND +16%
Bolsas y Mercados Argentinos S.A BYMA 313.75 ARS 120.22 ARS -62%

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Frequently asked questions

Is VNDIRECT Securities Joint Stock Company (VND) overvalued or undervalued?
As of Jul 16, 2026, our model estimates a fair value of 22,581 VND versus a price of 16,650 VND, about +36% (undervalued).
What is the fair value of VND?
Our model-based fair value for VNDIRECT Securities Joint Stock Company is 22,581 VND (as of Jul 16, 2026), built from audited fundamentals. The current price is 16,650 VND.
What is the quality score of VND?
VNDIRECT Securities Joint Stock Company has a Quality Score of 36/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of VNDIRECT Securities Joint Stock Company (VND)?
VNDIRECT Securities Joint Stock Company reported trailing-twelve-month revenue of about 5.8T VND (latest available figure, as of Jul 16, 2026).
What is the net profit margin of VND?
The net profit margin of VNDIRECT Securities Joint Stock Company is about 37.8%, meaning it keeps roughly 37.8% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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